App to Track Spending
App to track spending before habits get expensive
118M8 helps you spot where money keeps going, see what purchases cost in hours worked, and pause before another quick spend becomes routine.
Free on iOS and Android. From 118 118 Money.
Spending check
Three habits worth noticing
A simple way to see what keeps repeating.
Before the next everyday purchase, Clock it.
118M8 turns a price into hours worked, so a quick buy is easier to question before you commit.
Spot it
Track the pattern, not just the total
Spending usually gets away from people in small repeats: the same merchants, the same categories, the same taps that feel too ordinary to question.
Merchants
Notice where you go back
Frequent merchants are easier to challenge when they stop blending into normal card use.
Categories
See what keeps growing
Food, shopping, travel and entertainment decisions become clearer when the wider trend is visible.
Pauses
Slow the next decision
A quick pause gives you a chance to ask whether the next cost still feels worth it.
Spending insights are currently available for 118 118 Money credit card customers. Spending information is updated daily.
Clock it
Make everyday costs easier to question
A good app to track spending should help before money is gone, not just explain it afterwards. 118M8 gives the next purchase a simple reality check.
Turn prices into hours worked
A £45 purchase feels different when it becomes three hours of take-home work.
Sleep on non-essential buys
A short delay can take the pressure out of sales, quick checkouts and late-night scrolling.
Review repeat costs
Recurring charges and familiar merchants are easier to challenge when the pattern is obvious.
Choose it
Frequently asked questions
Can I use 118M8 as an app to track spending?
Yes. 118M8 helps eligible users review spending trends, frequent merchants and category patterns. It also includes pause tools for purchases you are still deciding on.
Does it replace a full budgeting app?
No. 118M8 is built for spending awareness and calmer decisions. If you need detailed forecasting, a dedicated budgeting tool or spreadsheet may still be useful.
Who can see spending insights?
Spending insights are currently available for 118 118 Money credit card customers. Anyone in the UK can download 118M8 and use the pause tools.
Pause it
Download 118M8 before the next quick spend
Use 118M8 to make spending easier to see and everyday purchase decisions easier to question.